SALTON MACHADO

I am a CA Final student based in Bangalore, with practical experience in accounting, audit support, financial reporting and SME credit analysis. I have cleared both groups of CA Intermediate and worked with businesses across a range of accounting and compliance assignments.

During my articleship at JBPR & Co., I gained experience in ledger scrutiny, bank reconciliation, verification of income and expenses, receivables and payables reconciliation, and preparation of financial statements with supporting schedules. My work also included statutory and tax audit assignments, GST returns, income tax returns, TDS computations and filings, and MCA compliance support.

I currently work as an Industrial Trainee in SME Credit Underwriting Analytics at Anand Rathi Global Finance Limited. My responsibilities include analysing bank statements, assessing financial performance, reviewing repayment behaviour and preparing inputs for credit appraisal reports.

I can support your business with:

• Accounting and bookkeeping support, including transaction classification and ledger review.
• Bank reconciliation and reconciliation of customer and vendor balances.
• Bank statement analysis covering cash flows, average bank balances, loan repayments and cheque returns.
• Financial statement analysis covering profitability, liquidity, leverage and working capital.
• Excel reporting, data cleaning, transaction summaries and management information reports.
• Financial statement preparation and supporting schedules.
• CMA data preparation and financial projections.
• GST, TDS and income tax compliance support.
• Audit documentation and preparation of working papers.

My experience has taught me to check figures carefully, maintain clear supporting records and explain financial information in practical terms. I focus on producing organised reports that help clients understand their accounts and make informed business decisions.

For each assignment, I aim to understand the scope, confirm the required output and communicate progress clearly. I value accuracy, confidentiality and timely delivery.

I am particularly interested in projects involving accounting reconciliations, Excel reporting, banking analysis and financial analysis. If you need help organising financial data or preparing a clear report from accounting records, I would be happy to support your project.